Plant and Engineering Insurance

If your business relies on machinery or plant, then loss or damage can be expensive. Engineering insurance is designed to help you keep things running smoothly, whether you own your plant and equipment or hire it in. From excavators/dumpers/telehandlers to permanent fixtures, we will make sure the cover is suitable for your business needs.

We work with businesses in construction, manufacturing, agriculture, warehousing to provide practical, tailored cover.

Contact us for your tailored plant and engineering insurance quote

What Does Plant and Engineering Insurance Cover?

Policies can be tailored depending on your industry.

Fixed and Mobile Plant - Cover for permanent machinery and mobile equipment used on site and in transit, whether owned, leased or hired in.
Breakdown, Explosion and Collapse (optional) - If your equipment breaks down or suffers mechanical or electrical failure, you’re covered for repairs, replacements and disruption.
Hired-In Plant - Covers loss or damage to plant and machinery hired in from a third party, often a requirement of your hire agreement including continuing hiring charges.
Engineering Inspections (optional) - Scheduled statutory periodic inspections for pressure systems, lifting equipment and other critical machinery to ensure you comply with statutory and regulatory requirements.
Engineering Business Interruption (optional) - Cover for financial loss caused by machine breakdowns or plant failure, helping you recover from unexpected downtime.
Damage to Surrounding Property (optional) - If a piece of machinery causes damage to nearby buildings or property, this optional cover helps with the cost of repairs.

Contact us for your tailored engineering and plant insurance quote

Who Needs Plant and Engineering Insurance?

If your business uses any kind of plant or heavy machinery, whether on your premises, contract site or in transit, an engineering and plant insurance is essential. We regularly arrange cover for:

Construction and groundwork/civil engineers
Manufacturers and fabricators
Engineering contractors
Farming and agricultural businesses
Plant hire companies – with or without operator

Contact us for your tailored engineering and plant insurance quote

Why Choose Chubb Thomas?

Truly independent insurance broker based in Bournemouth, with no corporate ties
Insurance quotes tailored to your needs, across Dorset and surrounding areas
Speak directly to your dedicated contact—no call centres, no waiting
Work with your key person from start to finish
Insurance quotes tailored to your needs, across Dorset and surrounding areas
Fair fees and transparent advice every step of the way
Independent and unbiased—we’re not tied to any insurer, so you always come first
A reputation for excellence, delivering insurance services locally since the early 1980s.

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FAQs

Is engineering insurance the same as equipment insurance?

Not quite. Engineering insurance is a broader category that includes inspections, breakdown cover and plant risks. Equipment Insurance often refers to tools and smaller gear, but we’ll help you combine the right cover for your business.

Can I get cover for mobile construction plant?

Absolutely. We can arrange construction plant insurance for mobile machinery such as excavators, dumpers, rollers and telehandlers, whether you own them or hire them in.

Do I need separate cover for hired-in plant?

Yes. Hired-in Plant cover protects you if something happens to machinery you’re renting. Most hire agreements make you liable for loss or damage, so this is an important one to include. Cover will also include continuing hiring charges.

What’s included in engineering business interruption cover?

It covers lost income and additional costs if your plant or machinery fails and causes work to stop. It’s designed to help your business recover financially while the problem is fixed.

Are inspections included as standard?

No, but engineering inspections are required to ensure you comply with statutory and regulatory requirements

Can I cover damage to property caused by my machinery?

Yes. Damage to surrounding property is usually available as an optional extra. It’s worth considering if you operate in confined or sensitive environments.

Does cover include explosion and collapse?

This is an optional extension under engineering inspection policies. Cover can be included for accidental explosion or collapse of machinery such as boilers or pressure vessels, helping with repairs and damage caused.

Is there a limit to how old my machinery can be?

Not necessarily, but some insurers may exclude very old equipment. We will talk through what you use and make sure your policy reflects it properly.

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We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.